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Three baddies deleted

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starry1
Valued Contributor

Three baddies deleted

And lost three points. Yeah its a vantage score, but still. It was three paid medical bills showing as in collections, two were the same bill and one was showing the balance as $4451, but was less than $700 when it went to collections, which makes no sense to me, but whatever. So why did I lose points?

Oops, I meant to put this in rebuilding. Can a mod move it?

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 1 of 12
11 REPLIES 11
Shogun
Moderator Emeritus

Re: Three baddies deleted

Moved, and congrats on getting those baddies off!!!!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 12
madmann26
Valued Contributor

Re: Three baddies deleted

Congrats on the deletes!!!!

 

No clue on the loss of points though. Unless it's a FICO score,  I wouldn't worry alot about it.

Current FICO 9 Scores



Message 3 of 12
Jutz
Valued Contributor

Re: Three baddies deleted

Congrats! Vantage doesn't even try to be a FAKO, it's its own model entirely, making it even more irrelevant!  Having three major derogatories removed is a giant win, good work!

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 4 of 12
awdsmama
Established Contributor

Re: Three baddies deleted

Congrats on a cleaner report!!!

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 5 of 12
starry1
Valued Contributor

Re: Three baddies deleted

Do you think if I refreshed myfico's TU report it would update, or should I wait a few days?

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 6 of 12
changeisvital
Valued Member

Re: Three baddies deleted

Congrats on cleaning up negative accounts from your credit report!

 

The descrease could be that one of your baddies had some length of credit for you and now your credit history isnt as long.... not really sure but I wouldn't sweat it!


Starting Score: 495 (12/2012)
Current Score: 520 (01-06-2013)
Goal Score: 680


Take the FICO Fitness Challenge

Message 7 of 12
Epcot
Valued Contributor

Re: Three baddies deleted

Congrats on getting those off! I wouldn't sweat a couple points though.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 8 of 12
starry1
Valued Contributor

Re: Three baddies deleted

Update, make that FOUR baddies deleted. I had goodwilled a paid parking ticket that was showing as in collections from 2008 that I don't believe was ever in collections, but instead of disputing I goodwilled them sweet as pie and abracadabra, poof! I was away from the internet all weekend and didn't even see the email until now. With a roll like this going, I'm never not checking my email again.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 9 of 12
Jutz
Valued Contributor

Re: Three baddies deleted

Nice! You're on a roll.  How many do you have left?

 

Also, I wish I could be away from the internet sometimes, I've really made myself dependent.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 10 of 12
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